I-akhawunti yaseBhange: umqondo nemigomo yesabelo senombolo

Kuze kube manje , uhlelo lwebhange luyande kakhulu. Ngokuvamile yonke into esemzimbeni kanye neyomthetho ine-akhawunti yasebhange. Nokho, akuwona wonke umuntu oqonda ukuthi kuyini.

Ngokwejwayelekile, umqondo we "akhawunti yasebhange" ingachazwa njengedokhumenti ethile, okuyisibophezelo evuliwe lapho inkontileka iphelile. Kubonakala ngokuba khona kwalezi zakhiwo ezilandelayo:

- yenzelwe ukufakazela ukutholakala nokuhamba kwezimali zamakhasimende;

- ibonisa izibopho ezikhona ze- credit organization kumnikazi we-akhawunti.

Kumkhuba wamabhange wamanje, inamba enkulu yama-akhawunti asetshenzisiwe. Zingase zihluke kuye ngokuthi isimo somthetho sini umnikazi, kanye nobuningi bokusebenza.

Singahlukanisa izinhlobo ezilandelayo ze-akhawunti yasebhange engavulwa izinhlangano zomthetho:

1. Ukuhlala, okusetshenziselwa ukuthola imali yengeniso kanye nezinye izinzuzo, kanye nokudluliselwa ngezinhloso ezehlukene.
2. I-akhawunti yesikhashana idalwe inhlangano entsha, evame ukusetshenziswa ukukhokha imali yenkokhelo ngemali.
3. Amanje ivulekile ezinhlanganweni ezingenzi inzuzo.
4. Kuzinkampani ezinikezwe izimali ngenhloso yokusetshenziswa kwazo, i-akhawunti yesabelo-mali isabelwe ngenhloso yokusebenzisa kwabo.
5. Umlobi - angavulwa yibhange kwelinye isikhungo sezikweletu, ubukhona babo buhlelwe ukuthi uhlelo lwebhange ezweni lakithi luyi-multilevel.

Abantu, ngokungafani nezinhlangano zomthetho, bangaba ngabanikazi bezinhlobo ezimbili kuphela zama- akhawunti: okwamanje namakhopho. Lezi zindawo zangaphambili zihloselwe ukubalwa okuhlukahlukene, okwakamuva ukuqoqwa kwemali.

Isici esithakazelisayo esingabonwa lapho ufunda umqondo we-akhawunti yasebhange ukuthi inombolo yayo inamanani angamashumi amabili. Futhi ngamunye wabo ukhethwa hhayi ngokungahleliwe. Namuhla, lapho cishe wonke umuntu ehlangana ngezikhathi ngezibalo zama-akhawunti (isibonelo, lapho egcwalisa amarisidi), kuyoba usizo kwabaningi ukwazi ukuthi lezi zimpawu eziyimfihlakalo zisho ukuthini.

Inombolo ye-akhawunti yasebhange ingahlukaniswa ngamabhuloki amaningana. I-Schematically ibukeka kanje: ААААА-БББ-В-YYYY-DDDDDDD, lapho:

- A yi-block of digits, ebonisa ukuthi yiliphi iqembu lebhangi lasebhange lama-akhawunti inombolo. Isibonelo, inombolo 40702 ibonisa ukuthi lena yinkampani engeyona yezohwebo, kanti u-40802 uyisomabhizinisi ngamunye. Lolu lwazi lubhekwa ngokuningiliziwe kumthethonqubo olawula uhlelo lokubheka ebhange (302-P).

- B - uhlukanisa imali lapho i-akhawunti ivuliwe khona. Ngokuvamile kaningi emisebenzini yaseRashiya kukhona ama-ruble (810), ama-dollar (840) ne-euro (978).

- B yilokho okuthiwa ukhiye noma hlola amanani. Kubalulekile kuphela uma imininingwane yokucubungula ikhompyutha , isiza ukuhlola ukufaneleka kokufaka izinamba.

- D - inani legatsha lasebhange.

- D - inhlangano ngayinye yezikweletu inelungelo lokukhetha ukuthi yiluphi ulwazi oluzocacisa lapha. Ngokuvamile, lezi zinombolo zibonisa inombolo ye-serial ye- akhawunti.

Ukuqonda ukuthi i-akhawunti yasebhange ikuphi, futhi nemigomo yokubala kwayo ngokuvamile kusiza ukwenza ukuphila kube lula. Ngemuva kwakho konke, iningi lethu, ngisho nangaphandle kokusebenza ensimini yezezimali, bhekana nalo mqondo nsuku zonke.